Ramit Sethi

my rent or mortgage is being covered.

I'm even saving money.

I'm not trying to save money, just like I don't try to brush my teeth.

It is happening automatically.

It's even better than brushing.

If you're listening, I hope that's a sense of relief that you don't have to feel bad about having debt.

You do not have to track a gajillion numbers that you don't even care about.

You do, and I would highly encourage you to focus on four key numbers that will totally transform your life.

Spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don't.

Just be intentional.

Love it.

All right, so let me explain what's going on here.

So I call a money dial a money dial because just like a radio dial, you can turn it up.

I always want to understand what do you love to spend money on?

And then I want to understand what would it look like if you could actually spend more?

Why?

Because I believe you should spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don't.

And the sad fact is, most of us have never actually thought of spending more on the things we love.

Because what's the note that we're taught by everybody?

Save.